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azaleaintexas | If I have been paying my life insurance policy for 1 1/2 yrs and now I want to cancel it, will they refund any |
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 |
 
Doing the Right Thing
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refund any premiums? The answer is no. Unless you pay annually, they will return the 6 month premiums. Otherwise, they won't refund any premiums.
The only way to get all premiums refunded if all these conditions are met:
1) You had the policy for at least 2 years
2) The company finds out that you made false information on the life application. OR you report that you made false information.
If these conditions are met, then they should refund the premiums. |
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t bird
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If you pay for life insurance with a car purchase, not if you pay monthly at your place of work. You are still living and did not have a life threatening event; nor did you die. |
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Lori A
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It depends upon what type of insurance you bought. If you bought term insurance, nope. Term is cheaper because it doesn't acrue any cash value.
If you bought a whole or universal life policy, you may have some cash value in it. Probably not a lot (unless you overfunded it and I suspect if you did, you'd know already the answer to this question) because the costs to set up the policy usually come out in the first few years so there is little cash value yet and there are usually surrender charges if you give it up too soon.
Now..a better question. Why cancel? Even if you are in great health today, that might not be the case down the road. Insurance gets more expensive with age even when you stay in perfect health but if anything happens that changes that perfection, including things like gaining weight, asthma, depression, and diabetes, your costs to get life insurance will sky rocket.
Presuming you actually have a cash value policy, you've already paid the most expensive part of the policy and letting it grow over time will give you, in addition to insurance protection you hopefully won't need, an extra pot of savings that can be used later in life for your retirement, your kid's college funding or even to reduce estate taxes to your estate.
There's all sorts of fun little games you can play with a cash value policy, once it has a big pot, that let you get to that cash without ever paying income taxes (ask your agent for the details).
So unless you bought a really bad policy or really can't afford it, giving it up is probably a bad idea. |
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Anobel M
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It depends on the policy and agreement when you signed it. |
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redunicorn
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You will probably get no refund. If you had a fully paid up policy, you would get a small refund. |
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susyprz1
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No they won't. unless is a whole life policy and you accrued some type cash value, which i doubt that you have, in the first 2 yrs there is usually no savings. |
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Andre
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doesn't sound very logical. |
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C R
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Read your policy under cancellations provision. Most policies have "minimum premiums" you owe regardless of how long you keep the policy. And you haven't had it long enough to generate any significant cash value. Plus you've been covered for 1&1/2 years.
Also ask your agent. |
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tigertiggerii
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If you pay annually, then you will get about 1/2 of the annual premium back. If not, then you just wasted your money. Not sure why you would want to cancel. Are you looking at replacing that policy? If so, be aware of your options and make sure it is truly in your best interest. |
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mbrcatz
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If you paid for the second year in full, and you want to cancel mid-year, you can get a refund for the six months. |
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